Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive costs on average $362 each year, collision costs $688, and liability insurance is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing around $3,252. Teenage drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The best discount rate is $844
• Raising to $1,000 deductibles will save around $238 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,502
• Using low deductibles bumps up the cost to $1,966
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,252 or more
• An auto insurance policy that insures a teen driver may cost $5,366

Insurance prices for a Lexus IS 250 also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus IS 250 insurance rates. A middle-age driver might find prices as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can reduce prices by up to $710 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Lexus IS 250 Insurance

Finding better rates on Lexus IS 250 insurance consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick rundown of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions may pay on average $1,750 more each year than a safer driver
• It is possible to save as much as $190 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $700 each year
• Drivers who require an increased level of liability coverage will pay an extra $350 annually to raise from 30/60 bodily injury limits to the 250/500 level